Regarding reserve funds and a stable, solid cash flow, I don't think we can conclude that Bitcoin investors who have these are traders. Honestly, logically and from a comfort level, having a reserve fund and a stable cash flow is much better. While it's true that having both isn't a necessity for Bitcoin investors, if I had to choose, I would definitely choose to have a reserve fund and a stable cash flow when investing in Bitcoin. Just try it and experience what it's like to invest in Bitcoin without a reserve fund and a stable cash flow. I'm sure it will definitely shake your Bitcoin holding. Essentially, our living expenses are crucial. Therefore, I don't think we should underestimate the importance of a reserve fund and a stable cash flow when investing in Bitcoin. So, if you're currently investing in Bitcoin and don't yet have a reserve fund and a stable cash flow. I think it's inevitable that we have to fight to have both. So don't think that either aspect is unimportant.
I agree that having safety net like reserve fund and steady income is important for investing in Bitcoin. But you can invest without them it brings much of stress and risk. As you said worrying about covering unexpected bills can force you to sell your Bitcoin at bad time which can cause you to lose money. Having strong financial base allows you to invest with confidence handle market ups and downs without panicking and stick to successful long term plan. Your advice is great it is important to build financial security first.